Young girl posed by Santa Calls statue
Welcome to Abilene Teachers Federal Credit Union

We’re about to brighten your day!

We're a member-owned cooperative instead of a shareholder-owned bank. That makes a big difference.

We work to provide the best solutions for our members; not to line the pockets of anonymous big-city owners. We advocate for members and their families rather than shareholders in far away places.

Our field of membership has widened in recent years.  If you live in the Abilene area, you’re most likely included.  Here are the non-teacher groups eligible for membership:

  • Residents of Taylor and Callahan counties. People who work, attend school, or worship in these counties but reside elsewhere are also eligible.
  • Family members of current ATFCU members.
  • Family members of a person who is eligible for membership, even if the eligible member has chosen not to join the credit union.

As our name states, teachers were our charter members in 1950. Thank you for your foresight & leadership!  School district employees in the following Texas counties are eligible: Callahan, Coleman, Eastland, Fisher, Haskell, Jones, Kent, King, Knox, Nolan, Runnels, Shackelford, Stephens, Stonewall, Taylor and Throckmorton.

Find the account or service that meets your needs

Select the group that’s most like you, then choose what you’re trying to do. We’ll lead you to the product of service that can make it happen.

Today's Rates

Auto Loans*
as low as
Personal Signature Loans*
as low as
RV Loans*
as low as
Personal Line of Credit
as low as
Credit Cards
as low as
Home Equity Loans
as low as
View all Rates

Scholarship Funds Awarded for 2024-2025 Academic Year


Our scholarships are designated for well-rounded high school seniors who have demonstrated financial responsibility.  Open an account now to be eligible!

Not just your typical banking hours. We’re always here for you.

24/7! We go where you go. Our mobile and online banking makes it easy to take us with you.

What can we help you do?

We’re a full service financial institution with the products you’re looking for. Our first priority is taking care of our members.

Abilene is our home and always will be. Bank where your friends and neighbors make the decisions.

We’re locally owned and locally controlled. Our thanks to the 50,000 members who trust us with their financial needs. We look forward to serving you with personal attention and forward-thinking technology.

Join Us


APR = Annual Percentage Rate

Rates subject to change without notice.

*The lowest loan interest rates shown above reflect all available interest rate discounts.  For 2024 and 2023 vehicles, the lowest available base rate with no discounts is 5.75%. For 2022 models, the lowest rate is 5.75%; 2021 models – 6.00%; 2020 models – 6.10%; 2019 models – 6.20%; 2018 models – 6.30%; 2017 models – 6.40%; 2016 models – 6.50%, 2015 models – 6.60%; 2014 models – 6.70%. For model years 2005 – 2013, the lowest rate is without discounts is 8.45%.  All rates are stated as APRs.

For RV’s, 8.00% is the lowest rate available without discounts; for Personal Signature Loans the lowest rate without discounts is 10.75%.


Homepage Photo Credits: ‘DowntownArt’ goes to Steve Templeton and ‘Little Girl Pointing’ goes to Megan Harbin.